Plan
The plan
Six months, three tracks, four milestones. Month 6 opens no new work.
A nine-month project fails in one of two ways: because everything is built until the last day and then tested in a few, or because the scope keeps moving during stabilisation. This plan rules out both.
Delivery plan — 6 months
M+9 · go-live
What shapes the calendar
Every month ends with a delivery. A working version is deployed to your staging environment. There is no month without a delivery.
Your staging environment opens at the end of M2, not at month 6. Your teams work on it continuously, on fictitious data, for the whole duration of the project.
Security comes before the end. Tooled audit and configuration review at month 5, with a dated remediation plan — so that fixes have time to be made and re-tested before go-live.
So does load. Performance tests at month 5, at three times the volume communicated at framing.
Requests frozen on the 15th of month 5. No new request is accepted after that date, whatever its outcome.
Month 6 opens no new work. It completes reporting — screens that read off a ledger validated at month 2 — then carries fixes, acceptance testing, training and opening. It is the project's reserve, the only kind of margin that does not dissolve under calendar pressure.
Month by month
| Month | Delivered to your staging environment | Quality, security, migration | Milestone |
|---|---|---|---|
| M1 | Framing, chart of accounts, scope frozen and signed · authentication, 11 roles, multi-branch, multi-tenant isolation, chained audit | Continuous integration, automated tests, dependency scanning | J1 Scope signed |
| M2 | Ledger: immutable entries, reversals, journals, trial balance · design system and core screens | Your staging environment opens | — |
| M3 | Tills — six types, opening, movements, counting, discrepancies, closing · four-part commissions · counter and offline mode | End-to-end tests on the branch day | J2 A full branch day |
| M4 | Unified operations module · first partner configuration · CRM and KYC · multi-country and multi-currency | Acceptance testing on M2–M3 · migration sample requested | — |
| M5 | Five partner configurations · five-channel intake · three-way reconciliation and exception queue · RBT | Acceptance testing on M4 · data anomaly report delivered | J3 A statement imported and reconciled |
| M6 | Compliance: screening, thresholds, structuring, risk scoring, case files, filings · general administration | Tooled security audit · dated remediation plan | J4 An alert raised and documented |
| M7 | FX · bill payment · top-up and Mobile Money · full accounting · Visa cards and banking partners | Performance tests · acceptance testing on M5–M6 | J5 Financial services on staging |
| M8 | Reporting and BI · documents and OCR · API and webhooks · decision assistant — freeze on the 15th | External penetration test · load testing · dry-run data migration | J6 Multi-branch steering |
| M9 | No new functionality. Fixing reservations, finishing touches, documentation | Formal acceptance testing · penetration re-test · timed restore · pilot branch then waves | J7 Go-live |
The milestones that release a payment
Three of the four milestones release an instalment, alongside the one paid on signature: J1 at month 2, J2 at month 4, then go-live at month 6. A milestone is not a date — it is a list of numbered criteria, run in your presence, on your environment, with your test data.
What makes this calendar achievable
Six partner modules reduced to one configured module. The operation, commission and posting logic is written and tested once instead of six times.
Scope frozen and signed at framing. This removes the main cause of drift: the continuous redefinition of expected depth.
Configuration rather than development. Rate cards, thresholds, charts of accounts, labels and roles are data entered by your administrators.
Beyond V1
Strategic horizon
Version 1
Month 6
Operations, tills and treasury, ledger and accounting, compliance, reconciliation, reporting · multi-branch, multi-currency, multi-tenant
Our scopeStabilisation
Months 7–12
Maintenance and support included · timed restore drill at month 12
IncludedDevelopments
Beyond
Financial services, additional connectors, advanced steering, Visa cards, decision assistant · six phases quoted at firm prices
Firm prices, valid 18 monthsV1's module boundaries and payment ledger are designed today to host V2/V3 without a rebuild (CDC §2).